| MIN. AGE AT ENTRY | 18 | ||
| MAX. AGE AT ENTRY | 55 | ||
| MAX AGE AT MATURITY | 60 | ||
| POLICY TERM | MIN - 5YRS, MAX - 20YRS | Annual Contributuion | Guaranteed Interest |
| S.A OPTIONS | MIN - N500,000, MAX - 4 times the annual premium contribution | N60,000 - N120,000 | TB rate minus 5.5% |
| CONTRIBUTIONS | Monthly, Quarterly, Bi-anually, Yearly, Single | N120,001 - N250,000 | TB rate minus 4.5% |
| MIN. MONTHLY CONTRIBUTIONS | N5,000 | N250,001 and above | TB rate minus 3.5% |
| MIN. ANNUAL CONTRIBUTIONS | N60,000 | Year 4 | NIL |
| WITHDRAWAL | YES! Charges apply | ||
| SURRENDER PENALTY | Year 1: 20%; Year 2: 20%; Year 3: 10%; >=4years : Nil No charges on surrender if policy is maintained for a min. of 3 yrs | ||
| BENEFITS | Critical Illness, Permanent & Total Disability | ||
| Double Accident Benefit - we pay twice d amount of cover(NB: Death must occur within 90days of accident) | |||
| Maturity Benefit - Accumulated fund + interest | |||
| Waiver of premium(optional) | |||
| Family Income(optional) | |||
| Escalation(optional) of original S.A anually, owing to Inflation/currency devaluation/cost increases - 10%, 15%, 20%. Subject to a max increase of 50% of original S.A. |